Moneymaster teaches you everyday financial skills!

Lesson 1

Episodes “Granny’s work camp” & “More than just work”

• Topics: Earning, saving and sustainable consumption choices
• Exercises:
  • What tips for earning money did you learn in the game?
  • What other ways are there to earn some money?
  • Why was the berry farm closed?
  • Why did Kalle choose the more expensive bike?
  • If you got 100 euros, how would you spend it?
  • What should you do if your bank card is lost?
  • What if you have already blocked your bank card and then find it later?
• Where can I find out more:
  • A video about the “Tutustu työelämään ja tienaa” -programme
  • The #Puhurahasta Kesätyö – muutakin kuin taskurahaa -podcast episode about summer jobs
  • The #Puhurahasta Miten ansaita kesällä rahaa -podcast episode about earning money during the summer
  • Tips for job-hunting at the “Kun koulu loppuu/ohjeita työnhakuun” website
  • Our video series Parhaat neuvot kesätöihin about job-hunting
  • Tips for earning money at the “Kun koulu loppuu/tienaaminen” website
  • The #Puhurahasta Tee oma työ ja tienaa -podcast episode about entrepreneurship

Lesson 2

Episode “First job”

• Topics: Applying for your first summer job and practical info on summer jobs
• Exercises:
  • How to apply for a summer job?
  • What is net salary and gross salary?
  • How do I make a good impression on my first day at work?
  • Take our “Taloustesti” test (great quiz material)
• Where can I find out more:
  • Video: “Miten hankitaan pankkikortti?” (How do I get a bank card?)
  • Article: “Aika hankkia pankkikortti” (Time to apply for a bank card)
  • Video: “Miten hankitaan verokortti” (How do I get a tax card?)
  • Article: “Aika hankkia verokortti” (Time to order a tax card)

Lesson 3

Episode “Kalle’s loan”

• Topics: What are the pros and cons of taking out a loan
• Exercises:
  • Make a list of various loan types
  • General discussion on the topics
  • Good and bad loans
  • Interest
  • Consumer credit/hire purchase
  • Payday loans
  • Student loan
  • Housing loan
• Where can I find out more:
  • Listen to episode 8 of the #Puhurahasta podcast: “Kun kaikki ei menekään putkeen raha-asioissa” (When financial matters don’t work out perfectly)
  • Watch the “Puhu rahasta” videos in which well-known people talk about their relationship with money.

Lesson 4

Episode “Vacation”

• Topics: Learn more about target-oriented saving
• Exercises:
  • What is a budget?
  • Applied exercise:
    • You get 200 euros to spend. Choose how you want to spend it and prepare a budget. Suitable budgetary themes are e.g. a birthday party, a trip, a camp or a weekend at a cottage.
• Where can I find out more:
  • At the “Kun koulu loppuu/säästäminen” website’s section on saving (instructions on how to draw a budget and information on how money is spent and why it’s smart to save, for example).
  • The “Miten säästää rahaa” (How to save money) video

Lesson 5

Episode “Interest on interest”

• Topics: Basics of investing
• Exercises:
  • What’s the difference between a savings account and investing?
  • Exercise: You get 10 euros per week. That adds up to 520 euros per year. How much money will you have in
    • 20 years
    • 30 years
    • 40 years if you deposit the money in a savings account with an annual interest rate of 1–2% or if you invest the money and the annual return is 5% on average?
• Where can I find out more:
  • At the Kunkoululoppuu.fi/sijoittaminen website’s section on investing. The site has information on how to start investing and links to other sites with information on investing and drafting an investment plan.
  • The #Puhurahasta podcast video: “Vaurastu viisaasti” (Building wealth wisely) | investing theme